Quote:
Originally Posted by Scat in the Hat
You're probably right. It was a celeb site, so it also had that "gossip" or "tabloid" factor going for it that would attract female subscribers.
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One example of what happens with live chat is that you have say a Russian girls or Romanian girl who's boyfriends are using stolen cards to spend time with them in the chat room (card info can be bought easily). Just a clever way of stealing the money from the card, and her getting paid without ever having to implicate ones self (as opposed to going to a store and purchasing merchandise, ordering things that need to be sent to an address etc). When you pour over transactions, there is a very clear pattern of womens card holder names being associated with fraud and chargebacks.
I used to use the Census list of first 1000 most common female names as a tool to scrub out and flag for manual approval female card names for live chat. When you have to balance 1% chargebacks with a high risk business like live chat where users might make 5 transactions a day for 5 months and then charge it all back - thats a big deal and needs to be caught and shut down before it happens... as it not only gives you a several thousand dollar hit but skews chargeback ratios dramatically.